Comments for Ratcliffe Wealth & Risk Management

Comment on Lots about travel insurance by Risk Management Courses

Risk Management Courses — Tue, 06 Jul 2010 19:07:03 +0000

Interesting topic choice. Thank you for giving us insight on travel insurance.

Comment on Business owners can expense medical and dental costs by Business owners can expense medical and dental costs » Ratcliffe … Equity on me

Tue, 20 Apr 2010 09:21:30 +0000

[...] post: Business owners can expense medical and dental costs » Ratcliffe … By admin | category: employed insurance medical self | tags: allows-business, aperture, [...]

Comment on Newsletter: April 2010 by Tweets that mention Newsletter: April 2010 » Ratcliffe Wealth & Risk Management - Antony (Tony) Ratcliffe, Independent Insurance Broker -- Topsy.com

Mon, 19 Apr 2010 16:59:28 +0000

[...] This post was mentioned on Twitter by Tony Ratcliffe, AE (Tony) Ratcliffe. AE (Tony) Ratcliffe said: Sharing my Ratcliffe Wealth & Risk Management newsletter: http://bit.ly/djD7zw #yeg [...]

Comment on Question for HR professionals about benefits! by Question for HR professionals about benefits! » Ratcliffe Wealth … : CompBlogs.com

Sun, 18 Apr 2010 04:10:19 +0000

[...] View original post here: Question for HR professionals about benefits! » Ratcliffe Wealth … [...]

Comment on How do you feel about virtual meetings with your advisor? by Tony Ratcliffe

Tony Ratcliffe — Wed, 17 Feb 2010 12:05:28 +0000

This is certainly what could be called a spam message! You have added it to two of the blog entries. However, I have registered for the vitual conference with the fee waived for completing the survey. I will let the comment stand, although I removed the second instance of it. Perhaps there is an acceptability factor with spam, particularly when it is for a free event.

Comment on How do you feel about virtual meetings with your advisor? by aditya452010

aditya452010 — Wed, 17 Feb 2010 10:59:02 +0000

All great ideas but I would also add another item to it: consider doing a virtual event/meeting. Virtual events and meetings are a great way to stay in front of customers, generate new leads and help close business already in the pipeline. These solutions are being deployed so rapidly by companies that the market is projected to exceed $18 billion by 2015. If you are interested in how you can use virtual environments attend the Virtual Edge Summit Feb. 22-23 (virtually or in-person if you are in/near Silicon Valley). There is no registration fee if you take a short survey.

Virtual Edge Summit 2010 is the only event that focuses exclusively on providing education, training and solutions for planning and producing virtual events, meetings and communities. Over 2 days, 80 experts will share their experience with you, and be available for one-on-ones. The event also offers a rich program for featuring experts from Cisco, Stanford, IBM, Disney SAP, Oracle, Intel as well as top virtual technology and service providers like InXpo, ON24, 6Connex, Stream57, CGS VirtualEvents365, George P. Johnson, Unisfair and Digitell.

When: February 22-23, 2010 8am until 6pm

Where: At the Santa Clara Convention Center in California and virtually in browser based virtual environments offering 2D and 3D experiences.

Comment on Insurance and RRSPs by Tony Ratcliffe

Tony Ratcliffe — Wed, 10 Feb 2010 15:30:16 +0000

Thanks, Lori. It is great to be back.

Comment on Insurance and RRSPs by Lori Widmer

Lori Widmer — Wed, 10 Feb 2010 12:35:40 +0000

Hope all is well with you, Tony. Glad to see you back blogging!

Comment on Thanking My Wife That I Had Critical Illness Insurance by I’ve Written a Guest Post » Money in Your Jeans

I’ve Written a Guest Post » Money in Your Jeans — Mon, 05 Oct 2009 01:37:14 +0000

[...] I’ve recently written an article on Critical Illness insurance on my friend Tony Ratcliffe’s blog – Reflections on Wealth. The article can be found at: http://tonyratcliffe.wordpress.com/2009/10/04/thanking-my-wife-that-i-had-critical-illness-insurance... [...]

Comment on Traditional v. non-traditional life and disability insurance by Tony Ratcliffe

Tony Ratcliffe — Sat, 03 Oct 2009 03:57:15 +0000

Hi Lori,

Thanks for your questions. I am providing the link to an article (and follow up comments) from one of our national financial writers in Canada. I have no personal or up-to-date knowledge of it, and the article will shed light as to why this is likely not a common subject:

http://network.nationalpost.com/np/blogs/wealthyboomer/archive/2007/06/11/from-viaticals-to-life-settlements.aspx

As for premiums for non-traditional products, there are too many variables and products to give a definitive answer. However, for example, some may actually be less expensive than traditional policies, but there can be more restrictions. I’m thinking of a particular disability coverage that will have more restrictions but can be selected with no waiting period at time of claim and does not have the underwriting requirements for injury only coverage. The illness coverage is important, but some clients are more concerned with the injury component. It is the illness part that adds significantly to the cost, so selecting injury only coverage can reduce the premium paid.